four year. I would say not anymore. Associates yeah. It sorta depends on wealth. If your parents can pay for it and you won't be saddled with loans and maybe they can help you with a home then it might work out as its the debt that really sinks it. Also having connections to get a higher paying position in your field. thing is most studies look at lifetime earnings which means its really telling you the average of how worth it over the last four decades or so with a bias toward four decades ago as opposed to right now. I graduated in 95 and had a luxury car level loan. I feel like I barely sorta made it out at that level and don't think I could do one today. A lot of things are different this millenium over last.